Insurance

Firstcare Medical particpates with health plans from these insurance carriers.  

Please note we do not accept Medicaid Plans.

AARP Medicare
Aetna
AmeriHealth
Braven Health
Cigna Healthcare
Clover Health
Horizon Blue Shield
Humana
Medicare
Meritain Health 
OptumCare Network
Oxford Health Plan
Railroad Medicare
United Healthcare

HMO plans require the patient be treated exclusively by their PCP. Patients with HMO plans must select Firstcare as their PCP prior to the initial visit.

If you have any questions whether we accept your insurance, please call us at 973.857.3400 .

CO-pay, deductible & CO-INSURANCE

Co-Pay is expected at the time of service.  We then submit a claim(s) to your insurance carrier.  If there is any remaining balance due from the patient, you will receive a statement.  Since there are many insurance plans with varying deductible, co-pay and co-insurance amounts, we advise you to contact your carrier in advance by calling the number listed on your card regarding details of your specific plan and patient responsible amounts. The acceptable forms of payment for Co-Pays and any remaining patient balance are checks, debit and credit cards.

HMO Patients: Before scheduling, call the number on your insurance card to confirm Firstcare Medical is listed as your PCP. If it isn’t, we cannot schedule your appointment.

For patients with a Medicare Advantage Plan

Medicare Advantage Plans: Please call your Medicare Advantage Plan carrier to verify that FirstCare Medical is your PCP - if a PCP is required by your plan.

For Patients with No Health Insurance

Our practice operates as a Patient Centered Medical Home (PCMH), coordinating your care across a full team — primary care, specialists, laboratory, imaging, and hospital services when your needs go beyond what a primary care office can provide. Active insurance coverage is required because it enables access to these outside resources; without it, we cannot ensure timely referrals, testing, or follow-up care beyond our office.

If you are uninsured, we recommend a local Federally Qualified Health Center (FQHC). FQHCs offer:

• Sliding scale fees based on income

• Integrated access to specialists

• Comprehensive primary care services

We can help you locate an FQHC near you (click here), and welcome you back as a patient if your coverage changes.